SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

SunTrust Prime Rewards Credit Card

Card details

  • 3 year introductory offer at Prime Rate (currently 3.25% variable APR) on balance transfers made in the first 60 days after account opening. Variable 11.24%-21.24% APR thereafter.

  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • Pay no balance transfer fee when you transfer a balance during the first 60 days your account is open. After the first 60 days of account opening, the fee for future balance transfers is $10 or 3% of the amount of the transfer, whichever is greater.

  • 1% Unlimited Cash Back on all qualifying purchases

  • $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening

  • No annual fee

  • No foreign transaction fees

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%

  • Bonus offer

    $100 in statement credit after you spend $500 on qualifying purchases, in the first 3 months after account opening.

  • Intro APR

    3.25% for the first 36 months for all Balances transferred within 60 days of account opening

  • Ongoing APR

    APR: 11.24% - 21.24% Variable APR

    Cash Advance APR: 24.99%, Variable

  • Balance transfer fee

    None for all balances transferred within 60 days of account opening, then $10.00 or 3% of the amount of the transfer, whichever is greater

  • Foreign transaction fee

    None

Recommended credit score

Compare to other cards

SunTrust Rewards Card Credit Card

SunTrust Prime Rewards Credit Card

Learn more
Annual Fee

$0

Annual Fee

$95

Annual Fee

$0

Regular APR

11.24% - 21.24% Variable APR

Regular APR

13.99% - 23.99% Variable APR

Rates & Fees

Regular APR

22.99% Variable APR

Rates & Fees

Intro APR

3.25% for the first 36 months for all Balances transferred within 60 days of account opening

Intro APR

0% intro APR on Purchases for 12 months

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Gregory Karp

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • 3.25% for the first 36 months for all Balances transferred within 60 days of account opening

  • No foreign transaction fee

Cons

    The SunTrust Prime Rewards Credit Card offers a low-interest period that's just silly-long: 3.25% for the first 36 months for all Balances transferred within 60 days of account opening, and then the ongoing APR of 11.24% - 21.24% Variable APR

    The $0-annual-fee card also offers a sign-up bonus and rewards. These are hard to find on other cards in its class.

    However, there's no 0% introductory APR period, and the card is not available to residents in every state. 

    For more information, see NerdWallet's review of this card.